Who it's for
People with more than one moving part
If your money is simple you don't need this, and we'll tell you so. It earns its price when several things pull against each other and the answer stops being obvious.
If your money is simple you don't need this, and we'll tell you so. It earns its price when several things pull against each other and the answer stops being obvious.
Your company's numbers are immaculate and nobody has ever looked at yours. How much you actually take, whether the business is your pension or a risk to it, and what happens to you personally if you sell — or never do.
The window where decisions still change the outcome materially and the answer is no longer obvious. The most valuable decade to model, and the one people most often spend guessing.
Three jobs, three schemes, a vague sense that it's probably fine. Whether it is fine is an arithmetic question, and it has an answer.
A rental, a holiday let, or a house you intend to downsize out of. Property changes tax, timing and flexibility in ways a list of pot values won't show you.
A deposit, a wedding, school fees. Generous decisions that are entirely affordable, or quietly aren't — and almost nobody models which before making them.
A sale, an inheritance, a divorce, a redundancy, a diagnosis. Moments where the old plan stopped being true and nobody has written the new one.
Said plainly, because being sold something you don't need is how people end up distrusting this whole profession.
We don't manage money, hold money, or recommend where to put it. That's regulated work for an authorised firm.
Which pension, which fund, which insurer — all regulated advice, all things we're not permitted to give and won't have an informal go at.
If you're behind on payments or being chased, free specialist help exists today and can do things we cannot. Go there first.
One job, one pension, renting, no dependants — a projection to 100 will tell you what you already suspect. The free tools are a better use of an hour.
The assumption that planning is for people with a lot of money gets it backwards. The more you have, the more room there is to be wrong and still be fine.
Someone with £1.5m and modest spending has an enormous margin for error. Almost any reasonable decision works out. Someone with £280,000 across three pensions, a business that may or may not sell, and a stop date they have picked because it sounds about right, has very little margin — and every one of their decisions matters more, not less. That is the position where an hour of arithmetic changes an outcome.
The same applies to age. The most valuable time to model is the decade before you stop, because that is when the levers still work: another year of contributions, a different stop date, a business made saleable, a State Pension gap filled while it is still fillable. After you have stopped, most of those have gone and planning becomes damage limitation.
Nothing, twice over. The Healthcheck tells you what you actually spend in about two minutes, and the free projection gives you the shape of the answer in another two. If those two between them tell you that you are comfortably fine, that is the whole job done and you owe us nothing.
The projection runs in your browser in about a minute. Nothing is sent anywhere and no email is needed to see the answer.
Thirty minutes with a planner to work out whether you need a Plan at all. Some people leave that call having been told they don't.
One written document — every year to 100 with the tax done properly, what breaks it priced in years, and the ninety days after. £1,500.